Ask an Adviser: What should I do with Paper U.S. Savings Bonds? How to Convert Paper U.S. Savings Bonds to Electronic Bonds.
Converting your paper savings bonds to an electronic format allows you to access their current rate and value, which is especially important as you plan for retirement.
What is The Widow’s Tax and How Will It Affect Me?
Losing a spouse is an incredibly emotional experience, and many are surprise to learn that it can also come with an unexpected financial penalty. The “Widow’s Tax” often leaves a surviving spouse facing a sudden drop in income at the same time taxes increase. We explain how this frustrating IRS rule works and outline steps you can take to protect your retirement income.
Ask the Adviser: If I don’t have earned income can I Fund my Retirement Accounts Based on my Spouse’s Income?
If you don’t have earned income of your own, you might think your path to retirement savings is blocked. However, if you are married and filing a joint return, your spouse’s income can unlock the door to your own IRA. Whether you are looking to catch up on savings or protect your assets from future medical costs, the “Spousal IRA” is a powerful wealth-building tool you should be using.
New Year, New Tax Laws
Two major tax law changes take effect in 2026—charitable deductions for non-itemizers and mandatory Roth catch-up contributions. Here’s what they mean for your retirement plan.
Ask the Adviser: What are my Annuity Payout Options?
Understanding how and when to take income from a non-qualified annuity
is essential—especially as contracts approach maturity. Learn the key payout
options, tax considerations, and questions to review before making a final
decision.
Ask the Adviser: What are Some Common Estate Planning Mistakes?
You’ve worked hard to build your nest egg. But are you sure your legacy is secure? Many people make critical errors by assuming a Will covers everything or by missing key tax-saving opportunities. Here are three common estate planning mistakes to avoid.
Securing Your Legacy: Using Trusts to Protect Wealth in Pennsylvania
Trusts can be an effective tool for protecting your wealth in Pennsylvania. Discover how different types of trusts can help minimize taxes and secure your legacy.
Ask the Adviser: What is the Difference Between Capital Gains and Capital Gains Distributions?
Many investors are surprised to learn that mutual funds can trigger taxable gains even when nothing is sold. This article explains the difference between capital gains and capital gains distributions—and how choosing the proper investment structure can help reduce surprise taxes.
“It Won’t Happen to Me”: Why Scam Victims Are More Common Than You Think
When it comes to scams, most people have the same reaction: “I’d never fall for that.” We like to think we’re too smart, too cautious, or too experienced to be tricked. Yet, year after year,…
Medicare Open Enrollment: What Every Retiree Should Know
Medicare Open Enrollment runs from Oct. 15 to Dec. 7. Learn how to review your options and avoid costly mistakes. Navigating healthcare options is an important part of your retirement planning.
Ask the Advisor: Should You Name Your Estate as Your IRA Beneficiary?
IRA beneficiary rules can be tricky. The wrong choice may trigger taxes, probate costs, and delays. Learn expert retirement planning advice to protect your heirs.
The Risks of Adding Your Child to Your Home’s Deed
Thinking of adding your child to your home’s deed to avoid probate or taxes? It might backfire. Explore the legal, tax, and family risks—and safer alternatives.
Ask the Adviser: What’s the Difference Between Spousal and Survivor Social Security Benefits?
When it comes to financial planning for retirement, understanding the distinction between Social Security spousal benefits and survivor benefits is critical. Eligibility rules, timing, and benefit amounts vary significantly between the two, and knowing how each works can help you make the most informed decisions for your future.
10 Exciting Hobbies to Explore in Retirement (They’re Worth the Investment!)
Retirement isn’t the end of the journey — it’s the start of a new adventure. Discover 10 fulfilling hobbies that can enhance your lifestyle in retirement.
5 Things Retirees Should Know about “the Big Beautiful Bill”
The One Big Beautiful Bill Act introduces tax law changes that may reshape your retirement financial planning. From enhanced deductions to estate exemption increases, here’s what retirees need to know now.
Ask the Adviser: How can I Find Fulfillment in Retirement?
In 1986, David Barrett wrote the song titled “One Shining Moment”. This song is now played to wrap up coverage of the NCAA Division I men’s basketball tournament championship game. Highlights…
Ask the Adviser: How are Assets in My IRA Different Than Other Assets in my Estate?
IRAs are subject to their own set of rules, and those rules can be complex. Here’s what to know at a high level.
Five Strategies for Gifting to Adult Children
Giving your children money during your lifetime can be helpful for them and fulfilling for you. There’s a delicate balance, though.
Ask the Adviser: What is Form 5498, and why did I receive it so late?
Form 5498 must be mailed to the IRS by May 31. However, because IRA contributions can be made up until April 15, you might not receive Form 5498 until after Tax Day.
How to Identify and Avoid Scams: A Guide for Older Adults
Older adults are a targeted group for financial fraud. Here, we discuss common scam types, telltale tactics, and how to protect your wealth proactively.
